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Automated activation
Once a deal is funded, the engine automatically activates payment plans that communicate with your ACH processor daily.
Define your custom rules
Define your frequency (daily, weekly, bi-weekly, or monthly) and let it handle the rest—including holiday skipping and automatic date adjustments.
Instant detection
The moment a debit fails, the system’s triggers move the deal into the "Payment Issues" queue automatically, initiating recovery before your team even opens the platform.
ACH management
Your ACH processor. Inside your platform.
Stop jumping between payment gateways.
Onyx IQ syncs directly with major ACH processors, giving you centralized, real-time control over collections without leaving the system.
Centralized control
Real-time status
Built-in redundancy
Automated collections
Issues are detected instantly. Recovery starts automatically.
Missed payments shouldn’t require manual follow-up. The moment a debit fails, Onyx IQ’s rules and triggers automatically activate recovery workflows.
Instant triggers
Automated communication
Custom workflows
Legal & recovery
Ready for collections with just a few clicks.
When soft collections aren’t enough, escalation shouldn’t slow you down.
Onyx IQ automates the transition from servicing to law firms. Select a law firm and generate a secure package with contracts, credit reports, bank statements, payment history, and notes with a single click.
Instant handoff
Default management
“We highly recommend it to any company looking to streamline their workflow, track payments and syndications, automate underwriting with every type of integration needed, and achieve better results.”
“The ONYX platform has taken my business to the next level of growth. The workflow of this software makes our process seamless. I would recommend ONYX to anyone.”
“I've been using Onyx for the past 7 months and the only thing I would say is SIMPLE!!! I love how easy it is to use and how user friendly it is. They are continuing to evolve with automations but funding functionalities are on point!”
“Onyx IQ gave us the structure and compliance framework we needed from day one, removing operational friction and elevating the professionalism of the business as we grew.”
“Onyx IQ helped us streamline credit, ACH, and contract workflows into one system and made underwriting faster and more focused using the Scorecard.”
“We’re handling more volume with the same team, funding more deals, and cutting underwriting time by roughly 30%. Everything now runs in one system instead of spreadsheets, and deals move without stalling.”
“Onyx IQ is reliable, easy to use, and backed by the most responsive support team we’ve worked with. When issues arise, they’re handled quickly.”